CFW incentives improved overnight

[SugarSweetLee]

I opened four 0%-APR-for-15 months cards with varying welcome and cashback incentives for our direct purchase last year. I paid them all off about 12 months later, but in the time in between my credit dropped 100 points due to the debt load I was carrying It went back to normal ~4-6 weeks after paying them all off iirc.

We had 3 separate contracts and split the payments into 4 installments across 90 days, which allowed me to use so many different CC options during the DVC payment process. In retrospect, I wish I'd thought to have my husband open up all the same new cards that I did so we could've doubled our welcome bonuses

Of course, this action also landed me on several spam mail and robocalling lists for "debt relief" offers that I wish I knew how to shut down.

 

[Robclint734]

Isn't it $145 for 150 CFW with the spark card?

$35,250...

- $5,250 ($35 off pp incentive)
-$1,500 (Disney Visa)
-$500 (D23)
-$750 (Welcome Home Week)
-$3,000 (Magical Beginnings)
-$2,500 (Spark Biz Card)

$21,750 = $145 plus closing costs?

Anyone know if the Disney Visa debit card gets the $1500 off too, or is it only the Disney Visa credit card? Not sure I want to open another credit card, but would gladly add the debit card.
Thanks

 

[muppets3d]

Anyone know if the Disney Visa debit card gets the $1500 off too, or is it only the Disney Visa credit card? Not sure I want to open another credit card, but would gladly add the debit card.
Thanks

It should, it gets all the other Disney Visa perks like merch discounts etc. Call your Guide to be sure before you go to the hassle.

 

[disneylandtour]

It should, it gets all the other Disney Visa perks like merch discounts etc. Call your Guide to be sure before you go to the hassle.

I think they are so desperate to sell the cabins that if you simply drew your own DISNEY VISA card with crayons on a piece of paper, then laminated it, I'm guessing they'd happily accept that, too.

 

[PolyRob]

Back in April, I opened up a regular Disney Visa for both me and my wife, and then a week later, ended up submitting new applications for the Disney Visa Premier for both of us, realizing I wanted the Premier for the 2% cash back. I could have upgraded, but then I’d miss out on the sign up bonus, so I figured why not give it a shot. Chase, surprisingly, ended up approving all 4 card applications.

Don't beat yourself up! Chase wouldn't have upgraded your new Disney Visa to a Premier Disney Visa if you held it less than a year since it's subject to the CARD Act and banks can't change the annual fee of your card within the first year of holding the account and this would have violated that. Business cards are different and you can change those up under a year.

 

[Spivey378]

Tempting to pull the trigger to gamble that the cabins get added to LSL. If they do get added you have a heck of a deal.

 

[muppets3d]

Tempting to pull the trigger to gamble that the cabins get added to LSL. If they do get added you have a heck of a deal.

I feel like it's probably fairly likely that LSL and CFW will be combined but I don't think it's likely enough that I'd be willing to buy in right now, personally.

 

[cruisehopeful]

I feel like it's probably fairly likely that LSL and CFW will be combined but I don't think it's likely enough that I'd be willing to buy in right now, personally.

I totally thought it would be combined, but now I'm hoping not. Imagine all the people who bought the cabins for the cabins and then people buying LSL who later decide to book the cabins for the point miser strategy. It would suck for those who bought specifically for the cabins.

 

[muppets3d]

I totally thought it would be combined, but now I'm hoping not. Imagine all the people who bought the cabins for the cabins and then people buying LSL who later decide to book the cabins for the point miser strategy. It would suck for those who bought specifically for the cabins.

All 10 people who bought for the cabins, you mean? I think they'll be fine. Hopefully, if they do roll LSL in with the cabins it will encourage them to declare more cabins into the Trust so availability improves particularly at the 7 month mark. Thus far it seems Disney doesn't want to encourage 7 month bookings at the cabins so they can improve sales I guess.

 

[emchen]

I totally thought it would be combined, but now I'm hoping not. Imagine all the people who bought the cabins for the cabins and then people buying LSL who later decide to book the cabins for the point miser strategy. It would suck for those who bought specifically for the cabins.

Risk.

Agree under 7 month booking or bust for me.

I could see making a case for owning there if you always go for Halloween and Christmas.. but even then those MF are a hard sell.

Risk.

There isn't enough chatter about this. The cabins incentive history has been (at the 150 point level, before any other discounts/MB):
December to February: $30 per point + $1,000 Limited Time Savings ($225 Base Price) - $188 price per point
February to April: $22 per point ($235 Base Price) - $213 price per point
April to July: $24 per point + $3600 Incentive Value ($235 base price) - $187 price per point
Current offer: $30 per point + $4500 Incentive Value ($235 base price) - $175 price per point

It looks like there's finally a trend of them lowering prices to test for the level where people will start biting. At some point, it may become a cheap way to backdoor yourself into LSL (if you're willing to take that risk).

Risk.

The whole "quick let's make the incentives even better not long after the cycle started" thing is fascinating to me.... but I also think it just won't make a significant difference in selling points at CFW. The basic challenges of that resort still exist and $5 more off a point are probably not enough to broaden the appeal to typical DVC buyers.

Something is better than nothing!

Latest bargain basement price is ~$166pp after all incentives and rebates?

Throw in my fave offsetter of risk…FW = I’m goin for it.

There’s only two weeks that offers outsized benefits. Guess which ones!

 

[emchen]

Isn't it $145 for 150 CFW with the spark card?

$35,250...

- $5,250 ($35 off pp incentive)
-$1,500 (Disney Visa)
-$500 (D23)
-$750 (Welcome Home Week)
-$3,000 (Magical Beginnings)
-$2,500 (Spark Biz Card)

$21,750 = $145 plus closing costs?

I think the Welcome Home might be bundled into the $35 off. Other than that this looks good. Should be $22,500.

$35,250...

- $5,250 ($35 off pp incentive)
-$1,500 (Disney Visa)
-$500 (D23)

-$3,000 (Magical Beginnings)
-$2,500 (Spark Biz Card)

Ok so $22,500 …but wait…what if I get the AMEX BIZ PLATINUM card: 200,000 bonus points with TPG.com est value of $4000.

Potentially $18500 for 150 CFW points. $123.33 per point???? Yes please.